O`qgJnya - CXJm§d ghH$mar ~±H$ {c., O`qgJnya.jusbbank.com/annual-report/JUB-Ahwal-2015.pdf ·...
Transcript of O`qgJnya - CXJm§d ghH$mar ~±H$ {c., O`qgJnya.jusbbank.com/annual-report/JUB-Ahwal-2015.pdf ·...
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O`qgJnya - CXJm§d ghH$mar ~±H$ {c. O`qgJnya (Vm. {eamoi) ̀ m ~±Ho$Mr gZ 2014-15 dfm©H$[aVm 56 dr dm{f©H$ gd© gmYmaU g^m Jwédma {XZm§H$ 13-08-2015 B©. amoOr Xþnmar 1.00 dmOVm _M©ÝQ> Agmo{gEeZ hm°b, 9 dr J„r O`qgJnya `oWo Imcrc {df`mda {dMma {d{Z_` H$aUoH$[aVm ~moc{dUoV ̀ oV Amho. Var gXa g^og gd© g^mgXm§Zr doioda CnpñWV ahmdo hr {dZ§Vr.
1) _mJrb {XZm§H$ 13/08/2014 B©. amoOr Âmmboëæmm dm{f©H$ gd©gmYmaÊm g^oMm d¥Vm§V dmMyZ H$mæm_ H$aÊmo.
2) _m. gM§§ mbH$ _S§ >imZ o {XZmH§ $ 31/03/2015 AIao gn§ bëo `m dîmmM© m emgH$s` bIo mn[ajH$mZ§ r gmXa H$o bbo m Ahdmb, Vmi~o X§ , Z\$m-VmQo >mnÍmH$ ñ drH$¥ V H$aÊm.o
3) gZ 2013-2014 `m gmbmMo emgH$s` boImnarjU Xmof XwéñVr AhdmbmMr dmMwZ Zm|X KoUo.
4) _m. g§§MmbH$ _§S>imZo gwM{dboëæmm gZ 2015-2016 Mo A§XmO nÍmH$mg _§Oyar XoÊmo d gZ 2014- 2015 æmm gmbmV A§XmOnÍmH$mnoúmm H$_r -OmXm Âmmboëæmm CËnÞ d IMm©g _§Oyar XoÊmo.
5) gZ 2014-2015 æmm gmbmVrb Âmmboëæmm {Zìdi Z\$m {d^mJÊmrg _§Oyar XoÊmo.
6) gZ 2015-2016 æmm dîmm©H${aVm A§VJ©V, H§$H$a§Q> {hímmo~ VnmgÊmrg æmm§Mr {ZæmwŠVr H$aÊmo d Ëæmm§Mm _ohZVmZm R>a{dÊmo.
7) gZ 2015-2016 `m dfm©H$[aVm emgH$s` coImnarjH$ `m§Mr {Z`wŠVr H$aUo d Ë`m§Mm _ohZVmZm R>a{dUo.
8) gZ 2014-2015 æmm gmbmVrb ímmgH$ræm boImnarúmH$ gr. E. Ama. E. qeXo MmQ>©S>© AH$m¡Q>§Q> ̀ m§MoH$Sy>Z {_imbobm boImn{aúmÊm Ahdmb dmMyZ Zmo§X ¿moÊmo.
9) ~H± $o Àæmm _m. gM§ mbH$ _S§ >i gXñæm d ËæmmÀ§ æmm ZmVdo mBH© $mZ§ m gZ 2014-2015 æmm ghH$mar dîmmV© {Xbëo æmm H $OmM© r _m{hVr ¿mÊo m.o
10) gZ 2015-2016 æmm dîmm©H${aVm ~mhoarb ^m§S>db C^maÊmoMr H$_mb _æmm©Xm R>a{dÊmo.
11) gZ 2014-2015 `m Am{W©H$ dfm©V g§MmbH$ _§S>imÀ`m _mÝ`VoZo VS>OmoS>rZo Ho$boë`m WH$sV H$O© dgwbrg _§Oyyar XoUo.
12) ~±Ho$À`m g^mgXm§Zm à{ejU XoUo~m~V {dMma {d{Z`_ H$aUo.
13) ~±Ho$Zo Ho$boë`m d H$amd`mÀ`m ^m§S>db Jw§VdUwH$sg _mÝ`Vm XoUo.
14) _o. AÜæmúmgmom æmm§Mo nadmZJrZo EoZdoir æmoÊmmao {df`m§da MMm© H$aÊmo.
* g^mgXm§Zm Z_« gyMZm *1) ~±Ho$Àæmm H$m_mH$mOmg§~Yr H$mhr àíZ {dMmamdæmmMo AgVrb Va g^mgXmZr {XZm§H$ 07/08/2015 ny²du ~±Ho$H$So> boIr H$idmdo. 2) JÊmnwVu A^mdr g^m VhHy$~ Âmmbog Ë`mM {Xder Ë`mM {R>H$mÊmr AÜæmm© VmgmZ§Va g^m ̂ aob d Ë`mdoir JUg§»`oMr Amdí`H$Vm ̂ mgUma Zmhr. 3) Amnbm nËVm ~Xbbm Agbog ZdrZ nËVm àYmZH$mæmm©bæmmH$So> ËdarV H$idmdm. VgoM bm^m§e ~±Ho$À`m H$m_H$mOmÀ`m doioV KoD$Z Omdo. 4) g^mgXm§Zr Amnbm bm^m§e O_m H$aUogmR>r ZOrH$À`m emIoV goìhtJ ImVo gwé H$amdo. VgoM VrZ dfm©darb {S>ìhrS>§S> Oo g^mgX {X.31/12/2015 n`ªV ZoUma ZmhrV. Aem g^mgXm§Mo {S>ìhrS>§S> [aPìh© \§$S>mg dJ© Ho$bo OmB©b. 5) AhdmbmÀæmm {hímmo~ nÍmH$mÀæmm àVr àYmZ H$mæmm©bæmmV d ímmIm H$mæmm©bæm æmoWo g^mgXm§Mo _m{hVrgmR>r Ro>dÊmoV Amboëæmm AmhoV.
* g^onwT>rb {dîmæm *
ñWi - OæmqgJnya. {XZm§H$- 21.07.2015
Eg. ~r. Mm¡Jwbo._w»æm H$mæm©H$mar A{YH$mar,
_m. g§MmbH$ _§S>imÀ`m AmXoemZwgma
ghH$ma hm ^maVr` g§ñH¥$VrMm Amagm Amho.
56 dr dm{îm©H$ gd©gmYmaÊm g^oMr ZmoQ>rg(\$ŠV g^mgXm§H$[aVm)
O`qgJnya - CXJm§d ghH$mar ~±H$ {c., O`qgJnya.
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gÝ_mZZræm ~§Yw-^{JZrZmo gào_ Z_ñH$ma, Oæm{g§Jnya CXJm§d ghH$mar ~±Ho$Àæmm 56 ìæmm dm{îm©H$ gd©gmYmaÊm g^og AmnÊm AJËæmnyd©H$ Cn{ñWV am{hbmV Ëæmm~Ôb _r ìæm{ŠVím: d g§MmbH$ _§S>imMo dVrZo gdm§©Mo _Z:nwd©H$ hmXr©H$ ñdmJV H$arV Amho. gZ 2014-2015 æmm Am{W©H$ dîmm©Mr H$m_{Jar d \$b{ZînÎmr RadÊmmam {Xdg 31 _mM© 2015 æmm dîmm©Mm dm{îm©H$ Ahdmb d Am{W©H$ nÍmHo$ AmnÊmmnwTo> gmXa H$aVmZm _bm AmZ§X hmoV Amho. g^mgX d R>odrXma ̀ m§Mm {dídmg H$UmH$UmZo H$_mdV ~±H$ EH$m ̂ ŠH$_ nm`mda C^r am{hbr Amho. H$moëhmnya d gm§Jbr {Oëhm H$m`©joÌ {dñVmaVmZm EH$ gj_ ~±H$ hm bm¡H$sH$ ~±Ho$Zo T>iy {Xbm Zmhr. Amnë`m H$m`©joÌmVrb g^mgXm§Mr àW_ godm hm AJ«Ur {dMma _ZmV R>odyZ àW_ g^mgX, R>odrXmam§À`m _XVrZo ̂ ŠH$_ nm`m {Z_m©U H$aÊ`mda AmnU àW_ ̂ a {Xbm. d nwT>o Amnë`m _XVrZo dmQ>Mmb H$arV AmhmoV. _mJrb H$mhr dfmªMr H$_mB© Agbr Var g§ñWoMo g§ñWmnH$, _mJ©Xe©H$ n{úM_ _hmamï´>mVrb ghH$mamMo _mhoa¿ma Agboëæmm H$moëhmnya {Oëhm d {eamoi VmbwŠ`mMo ^m½`{dYmVo AmXa{Zæm H¡$. _mOr Am_Xma S>m°.lr.Amßnmgmho~ D$\©$ gm.ao.nmQ>rbgmho~, _mOr MoAa_Z lr XÎm ímoVH$ar ghH$mar gmIa H$maImZm {b.{ímamoi ho {XZm§H$ 01/04/2015 amoOr AmnUmg nmoaHo$ H$éZ H$mimÀ`m AmoKmV bmon nmdbo AmhoV. doi H$moUmgmR>r Wm§~V Zmhr Am{U Amnbm doJhr ~XbV Zmhr hoM Iao Amho. Ë`mÑîQ>rZo AmnU gmaoM namYrZ AmhmoV. H¡$. _mOr Am_Xma S>m°.lr.Amßnmgmho~ C\©$ gm.ao.nmQ>rbgmho~, `m§Mo JwUdU©Z H$aÊ`mMr Amdí`H$Vm Zmhr. ~±H$ d ~±Ho$Mo g^mgX, ImVoXma, gd© g§MmbH$ Am{U H$_©Mmar `m§Mo G$UmZw~§Y Ë`m§À`mer {Z_m©U Pmbo hmoVo hr dñVwñWrVr nmhVm Ë`m§Mr _hmZVm Amnë`m Ü`mZmV `oVo. na§Vy AË`§V gmYonUmZo _mZ,gÝ_mZ Am{U lo`mnmgyZ Xÿa amhÊ`mMm Ë`m§Zr à`ËZ Ho$bm. eodQ>n`ªV ~±Ho$Mm Ü`mg _Zm_Ü`o R>odyZ H$m`©aV am{hbo, AmVm Ë`m§Mr {eH$dU {eagmd§Ú _mZyZ Amnë`mbm dmQ>Mmb H$am`Mr Amho. VgoM Amnbm Aä`mg, H$m`©Hw$ebVm d àM§S> BÀN>meŠVrÀ`m Omoamda CÚmZn§S>rV _m.lr JÊmnVamdOr nmQ>rbgmho~ MoAa_Z, lr XËV eoVH$ar ghH$mar gmIa H$maImZm {b., {eamoi æmm§Àæmm _mJ©XímZmZo ~°§Ho$Zo búmÊmræm n«JVr gmÜæm Ho$br Amho. gZ 2014-2015 æmm dîmm©V ~°§Ho$Zo gd©M úmoÍmmV CÎm_ n«JVr Ho$bobr Amho. ~°§Ho$Zo ê$næmo 225 H$moQ>r ìæmdgmæmmMo C{ÔîQ> nyÊm© Ho$bo Amho. ̀ oË`m 5 dfm©V 500 H$moQ>rMo CÔrï> nyU© H$aÊ`mMo R>a{dbo Amho. A{V{aŠV {ZYrMr \$mæmXoera J§wVdÊmwH$ d Am{W©H$ dîmm©V dmT>V Joboëæmm ~°§H$ d Rod ìæmmOXamMm ~°§Ho$Zo \$mæmXm CRdV é. 2 H$moQ>r 17 bmI BVH$m CÀMm§H$r H$anyd© T>mo~i Z\$m {_i{dbm Amho. Aímm {aVrZo H$mæm©{dñVma, C{ÔîQ> nwVu, ìæmmdgm{æmH$ ìæmdñWmnZ, A{W©H$ {ímñV d AmYw{ZH$ V§ÍmkmZ æmmìXmao ~°§Ho$Zo Jm¡admñnX H$m_{Jar Ho$bobr Amho. CËnmXZ úm_Vm {Q>Hy$Z amhmdr æmmgmRr ~°§Ho$Zo AmYw{ZH$ V§ÍmkmZmMm Adb§~ Ho$bm Amho. AmYw{ZH$ V§ÍmkmZm_wio H$_©Mmèæmm§Mr CËnmXZ úm_Vm dmTy>Z n«{V godH$ ìæmdgmæmm_Ü`o ê$. 40 bmIm§Mr dmT> hmoD$Z Vmo ê$. 2 H$moQ>r 83 bmI Âmmbm Amho. VgoM n«{V godH$ Z\$m ê$.1.28 bmI BVH$m Âmmbobm Amho. ho ~°§Ho$Àæmm gúm_rH$aÊmmMo ÚmoVH$ Amho.""hmæmQo>H$'' V§ÍmkmZmMm Adb§~ H$arV AgVmZm ~°§Ho$Zo gd©gmYmaÊm g^mgX ImVoXma J«mhH$ RodrXma d H$O©Xma BËæmmXr ¿mQ>H$m§ímr AgÊmmam g§~Y XwamdÊmma Zmhr æmmMr XúmVm ¿moVbr Amho. ~°§Ho$À`m VgoM ímmIoÀæmm dYm©nZ{XZ {Z{_ÎmmZo hmoÊmmèæmm J«mhH$ ̂ oQ>rV J«mhH$m§Àæmm gyMZm Anoúmm J«mhH$m§Mo g_mYmZ BËæmmXr ~m~r ìæmdñWmnZmn`ªV nmohMVmV. Ëæmm_wio ~°§H$dmT>rg nmoîmH$ YmoaÊm RadÊæmmV _XV hmoVo. ~°§Ho$Zo gZ 2017 AIoa g§^mìæm ìæmdgmæm AmamImS>m Væmma Ho$bm AgwZ ~°§H$ Ëæmm n«mê$n AmamIS>æmmZwgma _mJ©H«$_Z H$arV AgyZ ËæmmZwgma ~°§Ho$Mm {dH$mg d {dñVma æmmV {Z{íMV æmím n«mßV hmoB©b.
O`qgJnya - CXJm§d ghH$mar ~±H$ {c., O`qgJnya.
AÜ`jm§Mo
_ZmoJV ...
g^mgXm§Mr emZ, gdmªMm gÝ_mZ åhUyZM Amåhmbm ghH$mamMm A{^_mZ.
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gZ 2014-2015 Àæmm A{W©H$ dîmm©Mm AmT>mdm Ahdmb gmbm_Üæmo ~°§Ho$Zo Xadîmr© n«_mÊmo dmQ>Mmb gwê$ Rodbr AgwZ hr ~m~ VwbZmË_H$ AmH$So>dmardê$Z búmmV æmoBb.~±Ho$Mr VwbZmË_H$ gm§nVrH$ pñWVr.
O`qgJnya - CXJm§d ghH$mar ~±H$ {c., O`qgJnya.
1.2.3.4.5.6.7.8.9.
10.11.12.13.
A.Z§ Vnerb 31/03/2013 31/03/2014 31/03/2015
g^mgX g§»æmmA{YH¥$V ^mJ ^m§S>db dgyb ^mJ ^m§S>db amIrd d BVa {ZYr Ro>dr H$O} Jw§VdÊmwH$ Z\$m T>mo~i EZ.nr.E. {Zìdi EZ.nr.E^m§S>db næmm©ßVVm bm§^mím Am°S>rQ> dJ©
9643 3,00,00,000/- 2,22,10,075/- 7,28,49,211/-
1,10,53,70,233/-52,05,63,201/- 57,05,61,248/-
67,73,852/- 4.51%0.00%
12.24% 10.00%
""A''
1050510,00,00,000/- 3,23,73,100/- 7,88,49,460/-
1,37,79,25,898/-65,78,17,825/- 57,35,08,618/-
77,27,013/- 5.54%0.94%
12.28% 12.00%
""A''
1089210,00,00,000/- 5,65,14,275/- 8,94,21,564/-
1,42,22,60,974/-82,11,54,489/- 61,71,53,956/- 1,01,28,916/-
5.29%0.95%
14.32% 12.00% ({e\$mag)
""A''
g^mgX - Ahdmb gmbmV JVdfuÀ`m 10505 g^mgXmV 446 Zo dmT> Pmbobr AgyZ 59 g^mgX H$_r PmboZo dfm©AIoarg EHy$U g^mgX g§»`m 10,892 BVH$s Amho. AhdmbgmbmV dgwb ̂ mJ ̂ m§S>dbm_Ü`o 241.41 bmI BVH$s dmT> Pmbobr Amho.
^mJ ̂ m§S>db :- ~±Ho$Mo A{YH¥$V ̂ mJ^m§S>db ê$næmo Xhm H$moQ>r§Mo AgyZ Ahdmb gmb AIoa dgyb ̂ mJ^m§S>db ê$næmo 5,65,14,275/- BVHo$ Amho. ̂ mJ ̂ m§S>db dmT>rMo à_mÊm 74.57 Q>ŠHo$ Amho. ghH$ma H$mæmÚmVrb gwYmaÊmoZwgma ~±Ho$Àæmm nmoQ>{Zæm_mV ~Xb H$aÊmoV Ambm AgwZ ~±Ho$Àæmm àËæmoH$ ̂ mJmMr {H§$_V ê$.100/- dê$Z ê$.1000/- H$aÊmoV Ambm Amho. Var g^mgXmZr Oê$a Ëæmm aŠH$_oMm ^aÊmm H$ê$Z Amnbo ^mJ^m§S>dbmVrb {hñgm ê$.1000/- Àæmm nQ>rV VmVS>rZo H$ê$Z ¿æmmdm.
amIrd d BVa {ZYr :- ~±Ho$Mm Am{W©H$ nmæmm ̂ ŠH$_ hmoÊæmmgmRr ̂ mJ§^mS>dbm~amo~aM amIrd d BVa {ZYrMr nwaoímr VaVyX AgÊmo {VVHo$M _hËdmMo Amho. 31 _mM© 2015 AIoa JJm§Oir ê$.2,62,57,233.40 d BVa {ZYr ê$. 6,31,64,330.70 Ago {_iyZ EHy$Êm ñd{ZYr ê$.8,94,21,564.10 Agm Amho. Ahdmb dîmm©Vrb Z\$m {d^mJÊmr Z§Va ñd{ZYr ê$.9,37,19,018.61 BVH$m hmoB©b. ~XbËæmm YmoaÊmm§Zm gúm_nÊmo gm_moao OmV Xadîmr©Àæmm ZâæmmVyZ A{YH$Va ^mJ {ZYr§H$So> didyZ ~°§Ho$Zo {ZYr_Üæmo dmT> Ho$bobr Amho. ~°§Ho$Mm Am{W©H$ nmæmm {H$Vr ̂ ŠH$_ Amho æmmdaM ~°§Ho$Mo Am{ñVËd d g^mgXm§Mo {hVmMo aúmÊm Adb§~yZ AgVo.
^m§S>db næmm©ßVVm - {aÂmd© ~°§H$ Am°\$ B§S>ræmmÀæmm {ZH$îmmZwgma ^m§S>db OmoIr_ næmm©ßVVm n«_mÊm (CRAR) ~°§Ho$g {H$_mZ 9.00% AgÊmo AmdíæmH$ AgVmZm ho à_mÊm Amnëæmm ~°§Ho$Zo 14.32% BVHo$ amIbo Amho. æmmdê$Z Amnëæmm ~§°Ho$Mr Am{W©H$ úm_Vm {XgwZ æmoVo.
{dZm ghH$ma Zhr CÜXma, {dZm g§ñH$ma Zhr ghH$ma 3
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O`qgJnya - CXJm§d ghH$mar ~±H$ {c., O`qgJnya.
Rodr - A{W©H$ ñW¡æmm©Àæmm Omoamda g_mOm_Üæmo {dídmgmh©Vm {Z_m©Êm Ho$boZo RodrMo ìæmmOXa AÝæm ~°§H$m§Àæmm VwbZoZo H$_r RodyZhr ~°§Ho$Àæmm Rodr_Üæmo dmT> Âmmbobr Amho. {X.31.03.2014 amoOr ~°§Ho$Àæmm EHy$Êm Rodr ê$.13779.26 bmI BVŠæmm hmoËæmm dîm©^amV Ëæmm_Üæmo ê$.443.35bmImMr dmT> hmoD$Z {X.31.03.2015 AIoarg ~±Ho$Àæmm Rodr ê$.14222.61 bmI BVŠæmm Âmmëæmm AmhoV. RodrXmam§Àæmm Rod aŠH$_oÀæmm gwaúmogmRr Rodr§Mm {d_m {S>.Amæm.gr.Or.gr æmm§MoH$So> CVa{dbm AgyZ Ëæmm§Mm {d_m hßVm {Zæm{_VnÊmo àËæmoH$ ghm_mhrg AmJdy ̂ abm OmVmo
H$Oo© - ~°§Ho$Àæmm Rodr {OVŠæmm OmñV {VVH$r ~°§H$ gwÑT>> hr g§H$ënZm AmVm ~Xbbobr Amho. AmVm ~°§Ho$Àæmm ìæmdgmæmmg _hËd n«mßV Âmmbobo Amho. ìæmdgmæm åhÊmOo Rodr A{YH$ H$Oo© hmoæm. ËæmmVhr H$Oo© A{YH$ _hËdmMr RaVmV. {X.31.03.2014 amoOr ~°§Ho$Mr EHy$Êm H$Oo© ê$.6578.17 bmI BVH$r hmoVr. Ahdmb gmbmV ËæmmV ê$.1633.37 bmImMr dmT> hmoD$Z Ahdmb gmb AIoa H$Oo© ê$.8211.54 bmI BVH$r Âmmbr AmhoV. H$O© dmT>rMm doJ 24.83 Q>ŠHo$ BVH$m Amho.
AJ«H«$_ úmoÍmmg H$O©nwadRm - Amnëæmm ~±Ho$Zo {aÂmìh© ~±H$ Am°\$ B§{S>æmmÀæmm _mJ©Xím©H$ VËdmà_mÊmo AJ«H«$_ úmoÍmmg ê$.5998.83 bmI BVH$m H$O© nwadRm Ho$bm AgyZ ËæmmMo EHy$Êm æmoÊmo H$Om©er ímoH$S>m à_mÊm 73.50 Q>ŠHo$ Amho. VgoM Xw~©b ¿mQ>H$m§Zm ê$. 1543.79 bmI BVH$m H$O© nwadRm Ho$bm AgyZ ËæmmMo EHy$Êm æmoÊmo H$Om©ímr ímoH$S>m à_mÊm 18.80 Q>ŠHo$ Amho.
J§wVdÊmyH$ - H$O©ìæmdhmamZ§Va Vmio~§XmMr {O§XJr Xím©dÊmmar Xwgar _hËdmMr ~mOw åhÊmOo Jw§VdÊmyH$, Jw§VdÊmyH$ hr H$O© ìæmdhmamBVH$r \$mæmXoímra Zgbr Var {aÂmìh© ~°§Ho$Àæmm CRR> d SLR> ~m~VÀæmm VaVwXrMo H$mQo>H$moa nmbZ H$ê$Z Jw§VdÊmyH$rMo ìæmdñWmnZ Ho$bo Amho. {aÂmìh© ~°§Ho$Àæmm gwYm{aV {Zæm_mZwgma {X.31.03.2011 nmgwZ ~°§Ho$Mr 25 Q>ŠHo$ Jw§VdÊmyH$ Jìh_o©Q> {gŠæmw[aQ>rV AgÊmo AmdíæmH$ Amho. ~°§Ho$Zo æmm AmXoímmMrhr nwV©Vm Ho$br Amho. Ëæmm_wio Jìh_o©Q> {gŠæmw{aQ>r ìæmdhmambm _hËd n«mßV hmoD$ bmJbo Amho. JVdfu ~°§Ho$Mr EHy$Êm Jw§VdÊmyH$ ê$.5735.08 bmI BVH$r hmoVr. Ahdmb gmbmV Jw§VdÊmwH$r_Üæmo ê$.436.46 bmI BVH$r dmT> Âmmbr AgyZ {X.31.03.2015 AIoa EHy$Êm Jw§VdÊmyH$ ê$.6171.54 bmI BVH$r Amho. gaH$mar H$O©amo»æmmMr IaoXr-{dH$r H$ê$Z ~±Ho$Zo Ahdmb gmbmV EHy$Êm ê$.25.32 bmI BVH$m Z\$m H$_mdbm Amho. H$moAa ~°§qH$J n«Êmmbr_wio ~°§Ho$H$S>rb CnbãY A{V{aŠV {ZYrMo gwæmmo½æm {ZæmmoOZ H$aÊmo ímŠæm Âmmbo Amho.
g§JÊmH$rH$aÊm d V§ÍmkmZ - ~°§Ho$Zo n«YmZ H$mæmm©bæm Oæm{g§Jnya æmoWrb _w»æm B_maVrV AÚmdV d gwgÁO Ago S>mQ>m go§Q>a C^mabo Amho. H$moAa ~°§{H§$J gmoëæmwímZ (CBS) Mo H$m_H$mO nyÊm© Âmmbobo Amho. gd© ímmIm S>mQ>m go§Q>abm OmoS>ÊæmmV Amboëæmm AgwZ gd© ímmIm§H${aVm Centralised Activity H$mæmm©ÝdrV Âmmboëæmm AmhoV. æmmMm gd©M J«mhH$m§Zm bm^ hmoV Amho. æmm gw{dYmìXmao J«mhH$m§Zm ~±Ho$Àæmm H$moÊmËæmmhr ímmIoVyZ ~°§{H§$J gw{dYm {_iV Amho. ~±Ho$Zo ímmIm XÎmZJa d ímmIm Oæm{g§Jnya æmoWo E.Q>r.E_ gw{dYm CnbãY H$éZ {Xbr AgwZ ~±Ho$Àæmm J«mhH$m§Zm XmoÝhrhr E.Q>r.E_ _YwZ aŠH$_ H$mT>Vm æmoVo. gÜæmm ~°§Ho$Zo Amæm.gr.Amæm.gr.Amæm.~°§Ho$_m\©$V RTGS gw{dYm CnbãY H$ê$Z {Xbobr Amho. ~±H$ bdH$aM (NPCI) H$m`©àUmbr_Ü`o g_m{dð> H$aUma AgwZ ~±Ho$À`m J«mhH$m§Zm H$moUË`mhr ~±Ho$Àæmm E.Q>r.E_ _YwZ H$moRohr n¡go H$mT>Vm æmoVrb VgoM B§Q>aZoQ> ~±H$rJ d _mo~mB©b ~°§{H§$J gw{dYm CnbãY hmoÊmma Amho. VgoM ~±Ho$Zo go{ìh§J ImVoXmamgmR>r Aën aŠH$_oV àYmZ_§Ìr gwajm {d_m `moOZm d àYmZ_§Ìr OrdZ Á`moVr {d_m `moOZm Mmby Ho$br Amho. VgoM emgH$s` AmYma no_|Q> J°g g~{gS>r ImVoXmamÀ`m ImVoda O_m H$aUoMr gw{dYm CnbãY H$arV Amho.
én`o EH$ bmIm§n`ªVÀ`m R>odr§Zm {d_m g§ajU
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AZwËnmXH$ H$Oo© (N. P. A.) d VaVwX - ~±Ho$Zo g§nyÊm© dîm©^a AmXím© ìæmdñWmnZ nÜXVrMm Adb§~ H$ê$Z {ZæmmoOZ d gmVËæmnwÊm© dgwbr n«{H«$`m am~{dboZo {X.31.03.2015 AIoa EHy$Êm æmoÊmo H$O©~mH$rn¡H$r _wÔb ê$.429.70 bmI BVŠæmm aŠH$_oMr H$O© CÎnÝZ úm_Vm Zgboëæmm (EZ.nr.E) H$O} AgwZ ËæmmMo ̀ oUo H$Om©er T>mo~i n«_mÊm 5.29 Q>ŠHo$ Amho. æmm H$O© æmoÊmo nmoQ>r Ahdmbgmb AIoa ê$.356.01 bmI BVH$r VaVwX Ho$br AgwZ {Zìdi CÎnÝZ úm_Vm Zgboëæmm (EZ.nr.E) H$Om©Mo à_mÊm ímoH$S>m 0.95 Q>ŠHo$ Amho.
d¡Ym{ZH$ boImnarúmÊm - ~°§Ho$Mo gZ 2014-2015 Mo d¡Ym{ZH$ boImnarúmÊm S>m°.Ama.E.{ím§Xo, MmQ©>S©> AH$m¡Q§>Q> æmm§Zr Ho$bo AgyZ ~°§Ho$g boImnarúmÊm dJ© ""A'' {Xbobm Amho. boImnarúmÊm H$mbmdYrV ËæmmZr ~±Ho$Àæmm H$m_H$mOm~m~V g_mYmZ ìæmŠV H$ê$Z H$mhr _m¡{bH$ gyMZm Ho$boëæmm AmhoV Ëæmm~Ôb ~°§H$ Ëæmm§Mr AËæm§V Am^mar Amho. æmmìæmVrarŠV ~±Ho$Mm ñdV:Mm Am°S>rQ> {d^mJ AgyZ Ëæmm_m\©$V gd© ímmI§mMo {Zæm_rV boImnarúmÊm Ho$bo OmVo.
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5
O`qgJnya - CXJm§d ghH$mar ~±H$ {c., O`qgJnya.
gd© gm_mÝ`mMm {dídmgmg nmÌ R>abobr ~±H$
EHy$U -
a¸$_VnerbA. Z§.
1.2.3.4.5.6.7.8.9.
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25.35.000.0010.15.000.0058.31.462.00
20.000.001.00.000.001.00.000.001.00.000.002.00.000.002.27.454.51
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6
O`qgJnya - CXJm§d ghH$mar ~±H$ {c., O`qgJnya.
godH$ dJ© - Ahdmb gmbAIoa ~±Ho$V EHy$Êm 79 godH$ dJ© AgwZ Ëæmmn¡H$r 29 A{YH$mar, 38 {b{nH$, {ímnmB©, dm°M_Z d {ñdna {_iyZ 12 Aímr dJ©dmar Amho. g§ñWoMr àJVr hr godH$m§Mr {ZîRm d H$mæm©úm_Vm æmmda Adb§~yZ AgVo. ~±H$rJgma»æmm godm úmoÌm_Üæmo H$_©Mmèæmm§Mo æmmoJXmZ _moRo AgVo. ~±H$ ìæmdñWmnZ d H$_©Mmar æmm§ÀæmmVrb g§~Y gbmo»æmmMo d nañna ghH$mæmm©Mo amhrbo AmhoV. H$_©Mmèæmm§Mr gwa{úmVVm, gwIgmoæmr d àJVr æmmgmRr ~±H$ gX¡d àæmËZímrb AgVo. ~±Ho$Zo H$_©MmèæmmgmRr àm.\§$S>, J«°ÀæmwB©Q>r, \°${_br noÝímZ, ~moZg æmm æmmoOZm bmJw Ho$ëæmm AmhoV. AhdmbgmbmV godH$dJm©gmRr _oS>rH$b {d_m æmmoOZm A_§bmV AmÊmyZ Ëæmm§ÀæmmàVr ~±Ho$bm Agbobr H$iH$i ìæmŠV Ho$br Amho. Rodd¥ÜXr d H$O© dgwbr æmm§Mr CÜXrîQo> nwÊm© H$aÊmogmRr Ëæmm§Zr Ho$boëæmm AWH$ àæmËZm~Ôb _r Ëæmm§Mo AmnÊmm gdm©V\o©$ A{^Z§XZ H$aVmo. æmmnwTo>hr ~±qH$J úmoÍmmVrb Vrd« ñnYm© d ZdZdrZ AmìhmZm§Zm gm_moao OmÊæmmg godH$m§Zr {gÜX ahmdo d Amnëæmm ~±Ho$Mo Zmd CÁdb H$amdo Ago _r Ëæmm§Zm AmdmhZ H$aVmo.
godH$ à{ímúmÊm - à{ímúmÊmm_wio H$_©Mmèæmm§Zm ~±H$rJ úmoÍmmVrb Z{dZ ~Xb bmJw hmoÊmmao d {ZH$îm, H$mæmXo æmm§Mo gImob kmZ hmoVo. Ëæmm§Àæmm_Üæmo AmË_{dídmg d AmnwbH$rMr ^mdZm {dH$grV hmoVo. à{ím{úmV godH$ dJ© ho g§ñWoMo ^wîmÊm AgVo. à{ím{úmV H$_©Mmèæmm§Àæmm ghH$mæmm©VwZM g§ñWm _moRr hmoV AgVo. ~±Ho$Vrb H$_©Mmèæmm§Mr H$mæm©úm_Vm dmT>mdr æmmgmRr Ëæmm§Zm Mm§Jëæmm XOm©Mo à{ímúmÊm XoÊmo AmdíæmH$ Amho. Ahdmb gmbmV g§MmbH$, A{YH$mar, ŠbmH©$ d {ímnmB© æmm§Zm {aÂmìh© ~±H$ Am°\$ B§{S>æmmMm à{ímúmÊm {d^mJ, d¡Hy§$R^mB© _ohVm amï´>ræm ghH$mar à~§Y g§ñWm, nwÊmo d BVa ñWm{ZH$ ìæmm»æmmZo BËæmmXrÀæmm à{ímúmÊm H$mæm©H«$_mMm ~±Ho$Zo H$_©Mmèæmm§Zm bm^ CnbãY H$ê$Z {Xbm Amho.
Am^ma d g_mamon - ~±Ho$Àæmm àJVrg CÚmZn§S>rV JUnVamdOr nmQ>rbgmho~ MoAa_Z, lr XËV eoVH$ar ghH$mar gmIa H$maIZm {b. {eamoi æmm§Mo _m¡brH$ _mJ©Xím©Z {_imboZo _r Ëæmm§Mm ímVím: G$Êmr Amho. ~±H$ AmOda Or ^ŠH$_ Am{W©H$àJVr æmím g§nmXZ H$ê$ ímH$br d Omo Zmdbm¡H$rH$ {_imbm Amho. Vo AmnÊm gd© gÝ_mZZræm g^mgX, RodrXma, {hV{M§VH$, godm nwadRmXma, {d{dY g§ñWm, CÚmoOH$, H$maImZXma æmm§Zr ~±Ho$bm godm H$aÊæmmMr g§Yr CnbãY H$ê$Z {Xbr Ëæmm~Ôb _r H¥$VkVm ìæmŠV H$ê$Z Ëæmm gdm©Mo Am^ma _mZVmo. {aÂmìh© ~±Ho$Mo A{YH$mar, {d^mJræm gh{Z~§YH$gmom, boImnarúmH$, _m.{Oëhm Cn{Z~Y§H$gmom, _m A{gñQ§>Q> a{OñQ´>ma, ghH$ma ImVo, _mÂmo ghH$mar g§MmbH$ d ímmIm gëbmJma, H$mæmXm gëbmJma, ìh°ëæmwEQ>a, ~°§Ho$Mo gam\$, {X.E_.Eg.gr ~±H$, {Oëhm _ÜæmdVr© ~±H$, ~±H$ \o$S>aoímZ, ~±H$ Agmo{gEímZ H$moëhmnya, lr.XÎm ímoVH$ar ghH$mar gmIa H$maImZm {b, {ímamoi. æmm§Zr Ho$bobo _mJ©Xím©Z d ghH$mæmm©~Ôb _r Ëæmm§Mo Am^ma _mZVmo. ~±Ho$Mo _w»æm H$mæm©H$mar A{YH$mar, _w»æm boImnmb, ímmIm{YH$mar, A{YH$mar d godH$ dJ© æmm§Zr ~±Ho$Àæmm àJVrV {g§hmMm dmQ>m CMbbobm Amho æmm§Mm _bm d _mÂæmm ghH$mèæmm§Zm A{^_mZ Amho. AmnÊmm gdm©Mo dmT>Vo àoo_, {dídmg d ghH$mæmm©Àæmm nmR~imda ~±Ho$Mm {dH$mg hmM Üæmmg _ZmV H$mæm_ H$arV ~±Ho$Àæmm àJVrVrb gmVËæm AgoM nwTo> Mmbw amhrb Aímr ½dmhr XoVmo d _mÂæmm AÜæmúmræm ̂ mîmÊmmMm g_mamon H$aVmo d _m. g§MmbH$ _§S>imÀæmm dVrZo ~°§Ho$Mm gZ 2014-2015 gmbmMm Vmio~§X Z\$m-VmoQ>mnÍmH$ d A§XmOnÍmH$ d Z\$m-{d^mJÊmr Amnëæmm g_moa gmXa H$aV AgyZ Ëæmmg g^mgXm§Zr _§Oyar Úmdr Aímr {dZ§Vr H$aVmo. YÝæmdmX
ñWi : OæmqgJnya{XZm§H$ : 21.07.2015
Amnbm Z_«,_hmXod ~m~y amO_mZo
MoAa_Z
Ÿ&& Oæm {h§X Ÿ&& Oæm _hmamï´> Ÿ&& Oæm ghH$ma Ÿ&&
~±Ho$H$Sy>Z R>od {d_m háoMr a¸$_ doioV ^abr OmVo.
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7
O`qgJnya - CXJm§d ghH$mar ~±H$ {c., O`qgJnya.
d¡Ym{ZH$ boIm n[ajH$m§Mm eoam
_r O`qgJnya CXJm§d ghH$mar ~±H$ {b.,O`qgJnya, Vm. {eamoi, {O. H$moëhmnya ̀ m ~±Ho$Mo {XZm§H$ 31 _mM© 2015 amoOr g§nUmè`m dfm©Mo Z\$m-VmoQ>m nÌH$ d {XZm§H$ 31 _mM© 2015 amoOrMm n[a{eï>r` Vmio~§X, ~±Ho$Zo R>odbobr {hemo~r nwñVHo$, ìhm¡Mg© d _bm CnbãY H$éZ {Xboë`m AÝ` H$mJXnÌm§déZ Vnmgbm AgwZ _mPo d¡Ym{ZH$ boImn[ajUmMo H$m_mgmR>r d Ë`mMo nwV©VogmR>r _bm Amdí`H$ Vr _m{hVr d Iwbmgo {_imbo AmhoV. Ë`mZwgma _mÂ`m _Vo..
1) {hemo~r nwñVH$m§À`m VnmgUrVyZ {OVnV Ñï>rËnVrg ̀ oB©b Ë`mdéZ, ~±Ho$Zo _hmamï´> amÁ` ghH$mar g§ñWm§Mm 1960 Mm H$m`Xm d Ë`mImbrb {Z`_ d g§ñWoÀ`m nmoQ>{Z`_mÝd`o AnojrV Agë`mZwgma ̀ mo½` Vr {hemo~mMr nwñVHo$ R>odbr AmhoV.
2) _r Vnmgbobm Vmio~§X d Z\$m-VmoQ>m nÌHo$, ~±Ho$À`m {hemo~m§À`m nwñVH$m§er d {ddaUmer OwiV AmhoV.
3) _mÂ`m _Vo, XoÊ`mV Amboë`m g§nyU© _m{hVr à_mUo, VgoM _bm àmá Pmboë`m gd© emIm§À`m {hemo~ nÌH$mZwgma Am{U _bm XoÊ`mV Amboë`m IwbmemdéZ, ho {heo~ _hmamï´> ghH$mar g§ñWm§Mm 1960 d Ë`mImbrb {Z`_mÝd`o Ano[jV Aem [aVrZo Amdí`H$ Vr _m{hVr XoVmV. _mÂ`m boImn[ajU Ahdmb ̂ mJ "A', "~', "H$' d n[a{eð> ̀ m_Ü`o Z_yX Ho$boë`m AdbmoH$Zmg AZwgéZ A) Vmio~§X nÌH$m~m~V {X. 31 _mM© 2015 ̀ m {XderÀ`m ~±Ho$À`m Am{W©H$ n[apñWVrMr d ~) Z\$m-VmoQ>m nÌH$mMo ~m~VrV Ë`m {XZm§H$mg g§nUmè`m Am{W©H$ dfm©À`m Zâ`mMr gË` d dmñVd pñWVr Xe©{dV Amho.
4) gZ 2014-2015 ̀ m dfm©gmR>r _hmamï´> ghH$mar g§ñWm§Mm H$m`Xm 1960 Imbrb {Z`_mZwgma ~±Ho$g ""A'' dJ© H$m`_ H$aUoV ̀ oV Amho.
S>m°. Ama. E. qeXo,
MmQ>©S>© AH$m¢Q>§Q>
ñWi : O`qgJnya
{XZm§H$ : / /2015 10 07
àË`oH$ ImË`mg dmagm Zm|X{dUo Amdí`H Amho.
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8
O`qgJnya - CXJm§d ghH$mar ~±H$ {c., O`qgJnya.
{XZm§H$ 31-3-2015 B© Mo Vmio~§X nÌH$ Z§. 2
{X. 31-3-2014 ê$n`o n¡go
^m§S>db d XoUr ê$n`o n¡go {X. 31-3-2015 ê$n`o n¡go
A{YH¥$V ^mJ ^m§S>db(A{YH¥$V ^mJ ^m§S>db 1,00,000 ^mJ àË`oH$s ê$. 1000/- à_mUo)
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EHy$U R>odrgopìh¨J R>odr1) ì`ŠVr2) g§ñWmMmby R>odr1) ì`ŠVr2) g§ñWm3) gr.gr._Yrb H«$oS>rQ> ~°bÝg
_wXV R>odr1) ì`ŠVr2) g§ñWm
10,00,00,000-00
3,23,73,100-00
7,88,49,460-152,37,03,283-901,05,16,128-25
16,00,000-003,05,00,000-00
5,40,000-0025,00,000-003,00,000-00
10,00,000-0039,10,000-0024,00,000-0018,80,048-00
0-000-000-000-000-00
1,37,79,25,898-1438,31,60,682-8034,97,27,683-083,34,32,999-728,31,82,001-742,14,82,997-406,16,99,004-34
0-00
91,15,83,213-6020,40,09,890-0020,46,56,647-00
2,62,57,233-401,13,89,282-70
16,00,000-003,59,00,000-00
5,40,000-0025,00,000-003,00,000-00
10,00,000-0039,10,000-0030,50,000-0018,80,048-001,00,000-007,75,000-00
20,000-001,00,000-001,00,000-00
29,30,03,065-2327,45,32,239-181,84,70,826-054,12,08,582-931,51,72,203-352,57,19,856-55
3,16,523-03
1,08,80,49,326-6019,56,96,699-0032,57,49,838-00
10,00,00,000-00
5,65,14,275-00
8,94,21,564-10
1,42,22,60,974-76
1,48,91,48,458-29 1,56,81,96,813-86~oarO nwT>rb nmZmda
H$moUVohr ImVo CKS>VmZm AmoiInÌ d dmñVì`mMm XmIbm Amdí`H$ Amho.
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9
O`qgJnya - CXJm§d ghH$mar ~±H$ {c., O`qgJnya.
{XZm§H$ 31-3-2015 B© Mo Vmio~§X nÌH$ Z§. 2
{X .31-3-2014 ê$n`o n¡go
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21,38,04,687-14
2,15,58,721-23
3,75,68,279-08
25,39,636-08
11,30,27,701-91
31,76,905-70
5,21,557-71
18,277-66
35,56,212-91
14,83,307-86
28,52,408-83
16,94,882-00
3,42,500-00
9,05,000-00
14,118-17
27,052-00
2,45,18,126-00
0-00
4,91,17,171-28
2,77,86,947-37
1,95,041-17
52,15,875-65
1,59,19,307-09
57,35,08,618-00
12,72,81,000-00
2,39,31,000-00
10,00,000-00
4,00,00,000-00
2,42,21,002-00
65,57,498-50
50,04,324-04
5,55,228.48
78,76,839-80
35,25,288-13
18,277-66
50,14,175-91
9,26,268-86
15,11,065-85
46,88,682-00
15,55,003-45
26,69,770-90
14,118-17
26,502-00
39,164-66
2,74,73,042-00
3,57,10,597-04
2,32,300-17
35,32,960-65
95,52,789-54
13,33,50,000-00
5,00,00,000-00
10,00,000-00
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9,16,76,252-41
4,90,28,647-40
61,71,53,956-03
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83,64,30,476-42 75,78,58,855-84
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1,48,91,48,458-29
23,20,389-00
5,37,553-60
31,71,08,309-00
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4,18,01,529-00
1,52,60,007-00
28,62,592-00
12,30,26,297-00
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92,62,564-00
2,18,68,813-00
2,03,34,749-29
8,33,954-50
1,44,19,187-79
3,000-00
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49,607-00
18,405-00
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9,21,769-00
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25,00,000-00
6,258-00
11,74,676-00
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34,77,41,920-00
5,43,86,357-00
5,23,93,204-00
1,94,86,429-00
27,93,771-00
8,80,34,900-00
7,54,467-00
97,60,125-29
23,500-00
7,31,001-00
13,774-00
2,88,500-00
18,584-00
11,230-00
36,500-00
2,40,479-00
17,63,850-00
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30,61,99,789-5630,50,10,997-56
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31,89,90,000-7031,64,01,245-70
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1,51,32,62,037-37 1,59,81,97,015-61
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12,42,207-00
24,17,509-004,82,000-00
29,533-001,14,911-00
2,500-0062,745-00
5,67,280-0011,58,490-00
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1,04,11,580-2911,500-0078,210-0084,796-00
40,51,497-003,39,726-402,01,501-92
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60,576-0023,749-0012,615-00
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4,61,200-0051,197-9890,635-002,500-00
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36,13,138-002,18,662-811,68,600-00
51,751-001,67,692-00
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1,24,226-00
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8,050-001,48,080-00
59,475-0016,50,327-70
23,307-003,59,245-87
18,16,259-0019,40,000-90
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2,95,213-7110,300-00
1,29,545-0074,585-00
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SIGNIFICANT ACCOUNTING POLICIES
SIGNIFICANT ACCOUNTING POLICIES & NOTES FORMING PART OF THE BALANCE SHEET AS AT ST ST MARCH 31 MARCH, 2015 AND PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31 MARCH 2015
(1) Accounting convention : a) The financial statements are prepared under the historical cost convention, in accordance with the generally accepted accounting principles in India, the Accounting Standards issued by the Institute of Chartered Accountants of India and on the going concern concept except where where otherwise indicated. b) Items of income and Expenditure are accounted for on accrual basis, unless other stated.
(2) Revenue / Expenditure Recognition : a) Interest on performing advances is recognized on accrual basis. b) Interest on non performing advances is on realization basis. c) Interest on fixed income securities is recognized on accrual basis. d) Commission, Locker rent, income on the bank guarantees is recognized as income on realization e) Other items of income are recognized on realization basis. f) Revenue expenditure is accounted for generally on accrual basis.
(3) Advances : a) Advances are classified into standard, sub-standard, doubtful and loss assets in accordance with the guidelines issued by Reserve Bank of India from time to time. b) Provision on Advances categorized under sub standard, Doubtful and Loss assets is made in accordance with the guidelines issued by Reserve Bank of India. In addition, a general provision has been made on all standard assets as per Reserve Bank of India directives. (4) Investments : a) The bank has classified the investments in accordance with R.B.I. guidelines applicable to Urban Co-op. Banks. Accordingly, classification of investments for the purpose of valuation is done under the following categories. (i) Held to maturity (HTM), (ii) Available for Sale (AFS), b) Premium, on investment under HTM category is amortised over the residual life of the investment. c) Investments under "AFS" categories have been marked to market on the basis of guidelines issued by RBI, while net deprciation, if any, under each of the category has been provided for, net appreciation, if any has been ignored d) Investments are grouped under following three heads for disclosure in Balance Sheet as per RBI guidelines. (i) Central Government Securities (ii) Treasury Bills (iii) Shares in Co-op. Institutions.
(5) Fixed Assets and Depreciation : a) Fixed assets (Building) are stated at acquisition price less depreciation provided, other fixed assets are stated at written down value. b) Depreciation on fixed assets is provided for on the W.D.V. method at the rates prescribed by the management as under. (i) Furniture & Fixture 10% (ii) Computer & Software 33.33% iii) Dead Stock 10% (iv) Library 10% c) Depreciation on Fixed assets is charged for full year if assets is purchased and installed during the first six months of the year. If the assets is purchased and installed in the last six months then 50% of normal of depreciation is charged. No depreciation is charged on fixed assets sold during the year.
(6) Retirement Benefits : (A.S.-15) a) Provident fund and family pension Scheme contribution are deposited in the Office of the PF Commissioner and are accounted for on actual payment basis. b) Contribution to Group Gratuity Scheme of Life Insurance Corporation of India is made on the basis of actuarial valuation done by LIC and the same is charged to Profit and Loss Account.
(7) Taxes on Income : (A.S. - 22) a) Provision for current Tax is made as per provision of income Tax Act. 1961 on basis of estimated taxable income for the year.
(8) Other Notes : a) Reconciliation of Inter Branch Adjustment and Inter Bank Accounts as on 31-03-2015 are completed. Follow up for elimination of pending items therein is in progress.
(9) Net Profit : Net Profit has been arrived at after provisions on Performing Assets, Non Performing Assets, Investment Deprecia tion as fund and other usual and necessary provisions as per R.B.I. norms.
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ANNEXURE “A”
Name of the Bank : JAYSINGPUR UDGAON SAHAKARI BANK
LTD. JAYSINGPUR.
Head Office Address : Kolhapur Road, Opp. Police Station
Jaysingpur-416101, Tal. Shirol
Dist. Kolhapur Maharashtra 02322-225277
Date of Registration : 22.06.1960
Date & RBI Licence No. : UBD/ MH/ 956 p Dtd. 31.12.1987
Jurisdiction : Kolhapur and Sangli Districts
stPosition As on 31 March 2015
No. of Branches : 1+10 Branches = 11
Including Head Office
Membership : Regular - 10892
: Nominal - 1910
Paid up Share Capital : Rs. 565.14 Lakhs
Total Reserves &Other Funds : Rs.894.22 Lakhs
Deposits : Saving Rs. 2930.03 Lakhs
Current Rs. 412.09 Lakhs
Fixed Rs. 10880.49 Lakhs
` Total Rs. 14222.61 Lakhs
Advances : Secured Rs. 8051.28 Lakhs
Unsecured Rs. 160.26 Lakhs
Total Rs. 8211.54 Lakhs
Borrowings : Nil
Investments : Rs. 6171.54 Lakhs
Overdues % (Percent) : 8.95 %
Audit Classification : "A" Grade
Profit for the year : Rs. 101.29 Lakhs
Total Staff : 79
Working Capitals : Rs. 16200.46 Lakhs
Jaysingpur Br. Kurundwad Br. Dattanagar Br. Abdul Lat Br. Chandur Br.
Kavate Guland Br. Sangli Br. Khidrapur Br.Yadrav Br. Dattawad Br.
Tel. No. (02322) 226977Tel. No. (02322) 244296Tel. No. (02322) 237888Tel. No. (02322) 254877Tel. No. (0230) 2392177
Tel No. (02322) 276611 Tel No. (0233) 2330666 Tel No. (02322) 265777Tel No. (02322) 252527 Tel No. (02322) 241777
21
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Our Branches
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22
O`qgJnya - CXJm§d ghH$mar ~±H$ {c., O`qgJnya.
BALANCE SHEET OF BANK DISCLOSURE OF INFORMATION AS ON ST31 MARCH 2015 IN TERMS OF RESERVE BANK OF INDIA CIRCULARS
Sr.No. Particulars 31.03.2014 31.03.2015
Capital to Risk Asset Ration (CRAR)
Investment in G. Sec. i) Book Value ii) Face Value iii) Market Value
Advances against Real Estate, Construction Business & Housing i) Real Estate ii) Housing iii) Builders and Developers
Advances against Shares and Debentures
Advances to Directors, their relatives, companies / firms inwhich they are interested i) Fund Based ii) Non Fund Based
NPAs : i) Gross NPAs Amount ii) Net NPAs Amount
Movement of NPAs Opening Balance Add : Additions during the year Less : Recovery during the year Closing Balance
Average Cost of Deposits
Profitability : i) Interest income as a percentage of working funds ii) Non interest income as a percentage of working funds iii) Operating Profit as percentage of working funds iv) Returns on Assets v) Business per employee vi) Profit per employee
Movements is provision i) Towards NPAs (BDDR) ii) Towards Depreciation on Investments iii) Towards Investments Fluctuation Reserve iv) Towards Standard Assets
Foreign currency assets and liabilities
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.28%
2607.182575.002326.36
300.62583.16
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